Home Mortgage Loan Ratesin Georgia

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in Georgia and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 06/12/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.076% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.928 Points$2,970 Points Fee
$2,970 Total Fees$0 Lender Fees
 30 Years Fixed
6.120% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.780 Points$2,496 Points Fee
$4,491 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.158% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$5,593 Total Fees$2,793 Lender Fees
 30 Years Fixed
6.228% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.662 Points$2,118 Points Fee
$3,513 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.233% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.775 Points$2,480 Points Fee
$3,705 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.238% APR 6.125% Rate 35 day rate lock $1,945 Payment per month
0.770 Points$2,464 Points Fee
$3,859 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.246% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.975 Points$3,120 Points Fee
$4,120 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.248% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.732 Points$2,342 Points Fee
$8,542 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.303% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$6,085 Total Fees$3,685 Lender Fees
 30 Years Fixed
6.378% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.885 Points$2,832 Points Fee
$4,326 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.494% APR 6.375% Rate 45 day rate lock $1,997 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
Numbers you can trust
Veterans: Use your VA benefit to buy with 0% down
As low as 0% down options & down payment assistance
America's #1 Retail Lender (Scottsman Guide)
6.210% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.909 Points$2,909 Points Fee
$2,909 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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Georgia homebuyers and homeowners looking to refinance have access to a variety of mortgage lenders offering competitive home loan rates. Whether you're a first-time homebuyer, looking to upgrade, or seeking to refinance your existing mortgage, you can find a range of loan options to suit your needs and financial situation. When comparing home mortgage loan rates in Georgia, it's essential to consider factors such as loan type (fixed-rate or adjustable-rate), loan term, down payment, and credit score, as these can all impact the interest rates and terms you qualify for. Shopping around and comparing offers from multiple lenders, including local banks, credit unions, and online lenders, can help you find the most competitive mortgage rates in Georgia. Working with experienced mortgage professionals and carefully evaluating your options can help ensure that you secure the best home loan rates available, making your homeownership dreams a reality in Georgia.